HDFC Credit Card

HDFC Bank is one of the private sector banks to provide a huge range of credit cards. The bank currently offers more than 20 credit cards each customized to cater to different needs. From travel to shopping to dining to premium, the bank has a card for every category.

Key Features of HDFC Credit Cards

HDFC credit cards come with the following features and benefits:

• You can avail exclusive discounts, reward points, and offers.
• In case you suspect credit card fraud, just notify your bank, and your credit card will be instantly blocked.
• HDFC Bank offers multiple credit cards and you can choose one that suits your requirements.
• You can improve your credit score by timely and full payment of bills and keeping credit utilisation less than 30%.

HDFC Bank Regalia First Credit Card

Key Highlights: A premium HDFC Bank Regalia First Card that provides exclusive travel and lifestyle benefits.

Joining Fee: Rs.1,000

Renewal Fee: Rs.1,000 (From 2nd year). Waived if the total spends in the previous year exceed Rs.3 lakh.

Joining Bonus: 1,000 reward points upon paying the joining fee.

Features and benefits:

• Complimentary Priority Pass Membership that provides access to 700+ airport lounges.
• 15% discount at premium restaurants across India.
• Up to 7,500 reward points on achieving annual spends of up to Rs.6 lakh.
• 8 complimentary domestic lounge access per calendar year.
• Foreign currency markup fee of 2% on all international spends.
• Free comprehensive insurance that covers air accidental death, emergency hospitalisation, and credit liability.

Rewards redemption option: Reward points can be redeemed for free air tickets.

Suitable for: People who frequently visit international locations.

HDFC Bank Diners Club Black Card

Key Highlights: Offered in partnership with Diners Club International, the HDFC Bank Diners Club Black Card provides world-class privileges in travel, lifestyle, golf, rewards, etc.

Joining fee: Rs.10,000

Renewal Fee: Rs.5,000 (From 2nd year). Waived if the total spends in the previous year exceed Rs.5 lakh.

Joining Bonus: 10,000 reward points upon paying the joining fee.

Features and benefits:

• 5 Reward Points for every Rs. 150/- retail spends.
• Unlimited access to more than 700 airport lounges across the globe.
• Exclusive 24/7 concierge services at both local and international locations.
• Free comprehensive insurance that covers air accidental death, emergency hospitalisation, baggage delay and credit liability.
• 6 complimentary Golf games per quarter valid in India as well as abroad.

Rewards redemption options: Redeem reward points for free air tickets, hotel bookings, Air Miles, JP Miles, KrisFlyer Miles, and for gifts on exclusive rewards catalogue.

Suitable for: People who frequently visit international locations.

HDFC Bank Regalia Card

Key Highlights: Designed for elite class, the HDFC Regalia Credit Card offers best of the benefits across various lifestyle categories.

Joining Fee: Rs.2,500

Renewal Fee: Rs.2,500 (From 2nd year). Waived if the total spends in the previous year exceed Rs.3 lakh.

Joining Bonus: 2,500 reward points upon paying the joining fee.

Features and benefits:

• Complimentary Priority Pass Membership that provides access to more than 700 airport lounges.
• 4 Reward Points on every Rs.150 spent.
• 15% discount at premium restaurants across India.
• Up to 15,000 reward points on achieving annual spends of up to Rs.8 lakh.
• 12 complimentary domestic lounge access per calendar year.
• 24X7 concierge assistance for travel and entertainment bookings.
• Foreign currency mark-up fee of 2% on all international spends.
• Free comprehensive insurance that covers air accidental death, emergency hospitalisation, and credit liability.

Rewards redemption option: Reward points can be redeemed for air ticket booking, hotel booking on offers.smartbuy.hdfcbank.com/regalia. Also convertible to Air Miles.

Suitable for: People who spend massively on their credit cards and travel frequently.

HDFC Freedom Credit Card

Key Highlights: One of the best reward credit cards, the HDFC Freedom Credit Card also offers spend based rewards and free accidental death insurance.

Joining fee: Rs.500

Renewal fee: Rs.500. Waived if the total spends in the previous year exceed Rs.60,000.

Joining bonus: 500 reward points upon paying the joining fee.

Features & benefits:

• 5 times more reward points on dining, entertainment, railway ticket booking, cab booking, and grocery spends.
• 10 times more reward points on HDFC PayZapp & SmartBUY spends
• 25 times more points on birthday spend
• Earn 1 reward point on every spend of Rs.150 and above.
• A gift voucher worth Rs.1000 on annual spends of Rs.90,000 or more.
• Complimentary accidental insurance up to Rs.50 lakh.

Rewards redemption option: Reward points can be redeemed for cash back or for gifts from the rewards catalog.

Suitable for: People who use credit card for all daily expenses.

HDFC Bank Moneyback Credit Card

Key Highlights: Redeem reward points for cash back against your HDFC Bank Moneyback Credit Card outstanding.

Joining fee: Rs.500

Renewal fee: Rs.500 (from 2nd year onwards).

Joining bonus: 500 reward points once the joining fee is paid.

Features and benefits:

• 2X more reward points on online spends.
• Spend Rs.50,000 in a quarter and get e-voucher worth Rs.500.
• Free accidental death insurance up to Rs.50 lakh.
• Zero liability on lost card.

Rewards redemption option: Reward points can be redeemed for cashback against card outstanding, air miles and gifts from rewards catalogue.

Suitable for: People who would like to cut their credit card annual maintenance.

HDFC Bank Titanium Times Card

Key Highlights: A low-cost, high-value HDFC Bank Titanium Times Credit Card that provides benefits across various lifestyle categories.

Joining fee: Rs.500.

Renewal fee: Rs.500 (from 2nd year onwards).

Joining bonus: Gift vouchers from across categories including shopping, dining, clothing, etc.

Features and benefits:

• 2X more reward points on online spends.
• Spend Rs.50,000 in a quarter and get e-voucher worth Rs.500.
• Free accidental death insurance up to Rs.50 lakh.
• Zero liability on lost card.

Rewards redemption option: Reward points can be redeemed for cashback against card outstanding, air miles and gifts from rewards catalogue.

Suitable for: People looking for a less maintenance credit card with benefits across categories.

HDFC Bank Diners ClubMiles Card

Key Highlights: The HDFC Bank Diners ClubMiles Credit Card that comes with the best Miles Exchange Program. Offers Miles exchange across various airlines including British Airways, Jet Airways, Singapore Airlines, Trident, and Club Vistara.

Joining fee: Rs.1,000

Renewal fee: Rs.1,000 (Waived if the spends in the previous year exceed or equal to Rs.1 lakh).

Joining bonus: 1,000 reward points once the joining fee is paid.

Features and benefits:

• Exclusive lounge access program that provides access to leading airport lounges across the globe.
• Up to 6 free lounge visits to more than 700 lounges worldwide.
• Book air tickets and hotels across the globe online through the exclusive Diners Club website.
• Concierge services assist travel needs.
• 15% discount and other benefits at leading restaurants across India.
• Comprehensive air insurance cover up to Rs.1.5 crore.

Rewards redemption option: Redeem reward points for flight ticket or hotel bookings through Diners Club website. Can also be exchanged for Miles with both domestic and international airlines and hotels.

Suitable for: Globetrotters who use their credit card for most of their travel needs.

HDFC Bank Platinum Times Card

Key Highlights: A low-cost, high-value HDFC Bank Platinum Times Credit Card that provides benefits across various lifestyle categories.

Joining fee: Rs.1,000.

Renewal fee: Rs.1,000 (from 2nd year onwards).

Joining bonus: Gift vouchers from various lifestyle categories including shopping, dining, clothing, etc.

Features and benefits:

• 25% off on movie ticket bookings and up to 20% discount on dining bills.
• 3 more reward points on regular spends and 10 points on dining spends on weekdays.
• Fuel surcharge waiver.
• Free accidental death insurance up to Rs.50 lakh.

Rewards redemption option: Reward points can be redeemed for exclusive gifts from rewards catalogue.

Suitable for: People who are movie freaks and dine-out quite frequently.

HDFC Infinia Credit Cards

Benefits & Features of HDFC Infinia Credit Cards:

• Infinia Card comes with no prearranged limit on cash spending or withdrawal.
• You earn 5 points for every INR.150 you spend.
• You automatically get free Priority Pass and Taj Epicure Inner Circle Gold Membership.
• Reserve air tickets, film tickets, and hotel rooms via https://offers.reward360.in/infinia/rewards and make double the points.
• Free international travel insurance.

HDFC Solitaire Credit Cards

Features and Benefits of HDFC Solitaire Credit Cards:

• With every Rs. 75,000/- spend every 6 months, the cardholder can avail Rs. 1,000 worth of Shoppers Stop vouchers.
• Upon using the card for dining expenses and grocery spends, the cardholder can receive 50% more reward points.
• With every Rs. 150 spend, get 3 reward points.
• The card offers the option of redeeming reward points as cashback. With every 100 reward points get Rs. 40 cashback.
• Get Shoppers Stop vouchers of Rs. 2,000 annually.
• Opportunity to earn Rs. 4,000 as Cashback on reward points accumulated by spending Rs.5 lakh on the card.
• With benefits on fuel transactions, cardholders get to save Rs. 1,500 annually.
• Zero Lost Card Liability.

HDFC AllMiles Credit Card

Features and Benefits of HDFC AllMiles Credit Card :

• With card issue, the cardholder is entitled to receive 1000 Reward Points as a welcome benefit.
• With every Rs. 150 spend, get 3 reward points.
• Free Priority Pass Membership.
• With every Rs.500 spent at the fuel station, get a Fuel Surcharge Waiver.
• With spend of Rs. 15,000 in the first 90 days of card issue, get the first year annual fee reversed.
• With Rs. 1, 00,000 spend on the credit card in a year prior to renewal date get the renewal fee reversed.

HDFC Platinum Edge credit card

Features and Benefits of HDFC Platinum Edge credit card

• For every Rs.150 spent through your card, earn 2 reward points.
• Enjoy 50% additional reward points for expenses made on dining out.
• Enjoy fuel surcharge waivers. This is capped at Rs. 250 in every billing cycle (GST as applicable).
• The chip on the card ensures that every transaction made is safe and secure
• Enjoy revolving credit facility at a nominal interest rate.

HDFC Titanium Edge credit card

Features and Benefits of HDFC Titanium Edge credit card

• For every Rs.150 spent through your card, earn 2 reward points.
• Enjoy 50% additional reward points for expenses made on dining.
• Reward points can be redeemed as cashback against the outstanding bill amount.
• Enjoy fuel surcharge waivers. This is capped at Rs. 250 in every billing cycle (sales tax applicable).
• On reporting the loss of your credit card immediately, you enjoy zero liability on any fraudulent transactions made through your card.

Eligibility to Apply for HDFC Credit Cards

Age Criteria: Salaried – 21 to 60 years & For self-employed – 21 to 65 years

Check Eligibility for HDFC Credit Cards Online

You can check eligibility for each HDFC credit card online using the HDFC Bank official website.

Visit HDFC Bank Site (www.hdfcbank.com/personal/products/cards/credit_cards) & choose a card and click on the 'Check Eligibility' button. Provide the required details as prompted to know your eligibility for the card.

Documents Required to Apply for HDFC Credit Cards

HDFC may ask for additional documents based on the applicant's profile. The above list is for reference purpose only.

How to Apply for HDFC Credit Cards Online

The steps to apply for an HDFC credit card online are as follows:

Step 1: Visit the official website of HDFC.

Step 2: Navigate to the ‘Credit Cards’ section and select a credit card based on your preference.

Step 3: Check the eligibility criteria and documents required for the credit card.

Step 4: Apply online by entering all the requested details. You can also submit your credit card application along with relevant documents at an HDFC branch or ATM.

Step 5: You will receive your credit card on your communication address once the bank approves your application.

Step 6: When it is delivered, you will have to sign for it and provide proof of identity.

Step 7: You will receive the personal identity number (PIN) via courier while the Green PIN will be sent on your registered mobile number.

Step 8: This PIN is required to authenticate any credit card transactions.

Step 9: Visit the nearest HDFC ATM to change the PIN.

Different Categories of Credit Cards Offered by HDFC Bank

HDFC Credit Cards by Category

HDFC Credit Card Bill Payment

Customers can use any of the following modes of payments:

• HDFC Bank Netbanking
• Non-HDFC Bank Netbanking
• HDFC Bank Mobile Application
• Auto pay
• ATM Funds Transfer

How to Register for HDFC Credit Card Net Banking

As an existing HDFC Bank account holder, you can register for HDFC Credit Card Net Banking services by following the below given steps.

• Customers need to login into NetBanking with their customer ID and internet password.
• Inside the Net Banking account, click on the credit card tab.
• Add your new card, by selecting the ‘Register New Card’ feature.
• Enter your card credentials like credit card number, credit card ATM PIN, expiry date and click on ‘Submit’.

Activate HDFC Credit Card Online Transactions via WhatsApp

The procedure that must be followed to activate online transactions via WhatsApp is given below:

• Add the HDFC WhatsApp number (70-700-222-22) to your contacts.
• Send a WhatsApp message ‘Manage My Credit Card’ to that number.
• You will receive a message with several options.
• Select the ‘Online (E-Commerce) Transactions’ option. You will need to enter the number under which the option is available.
• An OTP will be sent to the registered mobile number, enter it.
• Next, the last four digits of the credit card number must be entered.
• The status will be displayed.
• An option will be provided to activate online transactions.

FAQs on HDFC Bank Credit Card

1. Can I apply for an HDFC credit card online? What benefits can I get?

   Yes, you can apply for an HDFC credit card online, getting an e-approval in just three easy steps. Additionally, online applicants can enjoy special offers like lifetime free credit cards, Rs 250 cashback and 5X rewards points on purchases for the first three months.

2. How can I increase the limit of my HDFC credit card?

   You can send a signed letter and request for increasing your credit card limit. You will have to also submit your income proofs. If you are a salaried person, then, you will have to also attach a self-attested copy of a recent salary slip.

3. What are the documents required to complete my HDFC credit card application online?

   Applicant's address details, PAN card, Scanned copy of your ID proof and address proof

4. What is the minimum salary I require to have an HDFC credit card?

   You will need to have a minimum salary of Rs.12,000 per month if you are a salaried person. If you are self-employed, you will need to have Rs.2 lakh per annum as your salary. You will also have to maintain a good credit score.

5. My HDFC credit card application is in process. Can I track the status online?

   Yes, your credit card application status can be instantly got on the HDFC web portal by providing your application reference number, mobile number or date of birth.

6. Are HDFC Bank credit card statements available online?

   Yes, HDFC credit card statements up to a period of six months can be viewed online by using the Credit Card Net Banking feature.

7. What does the SmartEMI scheme offer to a customer?

   The Smart EMI scheme allows you to easily convert your credit card purchases into monthly instalments with flexible tenures and attractive interest rates.

8. I am looking to transfer my existing credit card balance to a HDFC credit card. Is that possible?

   Yes, you can transfer your outstanding balance from any other bank’s credit card to your new or existing HDFC Bank credit card and complete the payments with flexible EMI options.

9. What is the advantage of paying my HDFC credit card bill using internet banking?

   Customers can make online credit card payments free of charge, and also from other non-HDFC Bank accounts.

10. Can I own two HDFC credit cards at once?

    Mostly, banks do not issue two credit cards to one person. However, if you have a good credit score, the bank may consider issuing two credit cards to you.

11. Does HDFC Bank offer the option of converting accrued rewards points into Air-miles or Airline E-Vouchers?

    Yes, HDFC credit card holders do have the option of converting their accumulated rewards points into Air-miles or Airline e-vouchers online. The number of reward points available currently for redemption can be obtained from a customer’s credit card statement.

12. Can I take a loan using the HDFC Bank credit card I currently hold?

    Yes, if you are an existing HDFC Bank credit card holder, there are two pre-approved loans offered - Insta Loan, within your credit card limit and Insta Jumbo Loan, available above the credit limit of your card.